RETIREMENT READY?

RETIREMENT READY?

RETIREMENT READY?

You want to balance your mortgage, kids’ education, and retirement savings. Are you saving enough to meet your goals and be ready for retirement?

Financial planning for special needs children

Financial planning for special needs children

How to support their care for a lifetime. Most families are concerned about planning for their children’s financial futures, but for families with special needs children, financial planning strategies have a different and often more complex dimension. The cost of supporting an individual with special needs adds up quickly – from therapies, medical equipment and special […]

Do you have Mortgage Insurance through your bank?

Do you have Mortgage Insurance through your bank?

Life insurance or mortgage insurance? The better option for mortgage protection Your home is probably the biggest investment you’ll ever make. When you arrange a mortgage with a financial institution, they must ask you if you want to insure your mortgage through them. But mortgage insurance from your bank or mortgage lender may not be […]

Age, Gender and Retirement Perspectives

Age, Gender and Retirement Perspectives

Do you think that retirement for you and future generations will be significantly different than it is for current retirees? If you say, “yes”, you’re not alone. Most consumers anticipate meaningful differences. Thoughts, expectations, confidence and planning do differ when considering age and gender. Here are some recent findings shared with permission from the LIMRA […]

Insurance made easy

Insurance made easy

Getting the protection you need is faster and simpler than ever before. When thinking about getting a financial plan in order, many people tend to focus on investments, bank account balances, or paying down debt. Insurance protection can sometimes get put on the back burner, often because of misconceptions: it’s not fun to think about, it […]

Guaranteed Income for Life – RRSP

Guaranteed Income for Life – RRSP

https://youtu.be/DXPTWTe6K7c CASE STUDY GUIDE

Which investments can reduce your tax bill?

Which investments can reduce your tax bill?

Taxes may be inescapable, but your choice of investments can have a huge impact on how much tax you pay. It all depends on your personal situation and how you structure your investment portfolio. 3 types of investment income and how they work A basic investment portfolio can generate three types of income: Interest income. […]

2019 Canadian Budget update

2019 Canadian Budget update

Guaranteed Income for Life – RRIF

Guaranteed Income for Life – RRIF

https://youtu.be/fQQX0a9LDf8 CASE STUDY GUIDE

8 money management tips for couples

8 money management tips for couples

Are couples and money incompatible? Is financial planning a relationship killer? Here’s some advice on managing money together without destroying your relationship. 1. Break the money taboo Did you know that money is one of the main sources of conflict in couples? For love and money to coexist, you cannot bury your head in the […]

Women and the financial frontier

Women and the financial frontier

Addressing the financial challenges facing women, with tips men can use too. Women are centre stage in 2018. They’re speaking out across social media and demanding change – and there are signs they’re well positioned to get it. The federal government has a gender‑balanced cabinet for the first time in history. Globally, female empowerment, workplace […]

4 estate planning tips

4 estate planning tips

  Nobody likes to think about death or the burden it often represents for those we leave behind. Yet, it is important to be ready. Don’t postpone this important task―the decisions you have to make won’t be any easier in 5, 10 or 20 years! 1. Make a will A will that clearly identifies your heirs is […]

Estate maximization for business owners

Estate maximization for business owners

Watch this short video to learn about a strategy business owners like you are using to minimize taxes and maximize their estates.  

Talking finances with your elderly parents

Talking finances with your elderly parents

Discussing money matters with family is never an easy task… Here are tips on how to broach this delicate subject with your aging parents with a minimum of conflict. As your folks get on in age, you may find yourself concerned about their financial situation. Your concern is well-founded. Neglecting to plan for a loss […]

Getting into the retirement mindset

Getting into the retirement mindset

Retirement isn’t just about socking money away in your mattress. Retirement is also a state of mind because it’s an important life event for anyone who has spent their entire adult life in the work force. Here are a few tips to help you embrace this next stage in your life. Retirement means a departure […]

Worried about taxes at death?

Worried about taxes at death?

Written by Peter Wouters | empirelife.ca What’s the biggest cheque you or your estate will ever write? When do you think that might happen? For many people, the biggest cheque they will ever send to the government will be for the money owed on their death. Any unpaid or accrued income taxes, taxes triggered on the full […]

Should you retire early or retire late?

Should you retire early or retire late?

By Dave Dineen – sunlife.ca There are some important issues to consider when deciding the right time to retire — and they’ll have an impact on more than your wallet. When I was 57, I’d been retired for 3 years. Most people I talk to assume that I’m lucky, lazy, rich or ill. (Disclosure: I’m […]

30 Day financial Challenge

30 Day financial Challenge

Do some financial cleaning with our one-month challenge. WITH PLENTY OF PRIORITIES COMPETING FOR OUR ATTENTION, money matters can sometimes be pushed to the back of the shelf. But, just like an annual decluttering at home, getting our financial house in order can make a big difference to daily life. Make a commitment to take […]

Kids to inherit your vacation property on your passing? Watch out for the taxes!

Kids to inherit your vacation property on your passing? Watch out for the taxes!

Summer is upon us, which means spending longer days in the sun and enjoying your cottage with your family and friends. This is also the time that you may start thinking about the future of your cottage and your plans to pass it down your family. If you have decided to bequeath your vacation property […]

Millennials and Retirement

Millennials and Retirement

The opinion of retirees and older workers alike is that millennials may have a better chance to control their future when it comes to saving money for their future lifestyles. Let’s take a closer look at that and consider the millennial perspective. The Future of Retirement: Generations and Journeys research (2016) identified a number of […]

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